Uma abantu sebeqala ukugcina nokuthumela imali yabo ku-wallet yeselula, into elandelayo abayicelayo yisikweletu: okuncane okwengeziwe ukuqedela imali yesikole, ukugcwalisa kabusha isitoko esitolo noma ukudlula isonto ngaphambi kosuku lweholo. Ama-wallet asesimweni esiyingqayizivele sokukunikeza, ngoba umlando wawo wokuthengiselana ukhombisa ukuthi abantu bayithola kanjani futhi bayisebenzisa kanjani imali ngempela. Uma kwenziwa kahle, ukuboleka nge-wallet kungenye yamathuluzi anamandla kakhulu okufaka abantu ezinsizeni zezimali. Uma kwenziwa kabi, kubambela ababoleki ezikweletini futhi kubhidlize ukwethemba kuyo yonke isevisi. Lo mhlahlandlela uchaza izinhlobo zemikhiqizo, ukuthi izinqumo zesikweletu zenziwa kanjani, i-ledger nemisebenzi engemuva kwazo, kanye nemikhuba yokuboleka ngokuziphendulela abalawuli abayilindele manje.
Kungani ama-wallet engaboleka lapho amabhange ehlulekile khona
Ababoleki bendabuko bancike kumaphepha amaholo, isibambiso namarekhodi ezikhungo zemininingwane yezikweletu. Amakhasimende amaningi emali yeselula awanayo neyodwa yalezi zinto. Lokho abanakho wukugeleza kokuthengiselana: imali abayithola kubaqashi, kumakhasimende nasezihlotsheni; ukuthenga i-airtime; ukukhokha izikweletu zezinsizakalo; ukuthengisa kwabahwebi; ukonga. Lokho kugeleza kukhombisa ukuzinza kweholo, ukuziphatha ekusebenziseni imali kanye nokuqina. Empeleni, kuyifayela lesikweletu elingenye indlela, elibuyekezwa nsuku zonke.
Ama-wallet futhi axazulula izingxenye ezimbili ezibiza kakhulu zezikweletu ezincane: ukukhipha imali nokuqoqa izinkokhelo. Imali ingathunyelwa kumboleki ngokushesha, futhi izinkokhelo zingaqoqwa ngokuzenzakalelayo emalini engenayo, ngaphandle kwamagatsha noma izikhulu zezikweletu.
Imikhiqizo eyinhloko yezikweletu ku-wallet
| Umkhiqizo | Usebenza kanjani | Ukusetshenziswa okuvamile |
|---|---|---|
| I-overdraft | Ikhasimende lingaqedela inkokhelo noma ibhalansi inganele; ukusilela kukhokhwa ngokuzenzakalelayo emalini elandelayo engenayo | Ukuqedela inkokhelo yesikweletu sensizakalo noma ukuthenga |
| Isikweletu esincane sesikhashana | Isikweletu esincane esifakwa ku-wallet futhi sikhokhwe ngesitolimende esisodwa noma ezimbalwa phakathi nezinsuku noma amasonto | Izimo eziphuthumayo, isitoko, imali yesikole |
| Isikweletu sezitolimende | Isikweletu esikhulu esikhokhwa phakathi nezinyanga ezimbalwa | Izimpahla, ukukhulisa ibhizinisi |
| Imali yokusebenza yabahwebi nama-agent | Isikweletu esixhunywe nokuthengisa noma i-float, esikhokhwa emalini engena nsuku zonke | Ukugcwalisa isitoko, i-float ye-agent |
| Thenga manje, ukhokhe kamuva | Ukukhokhela umhwebi manje bese ukhokha ngezitolimende | Izingcingo, izinto zasekhaya, izinto zesikole |
| Izikweletu zeqembu noma ze-chama | Izikweletu kumalungu ezivela kwimali eyongiwe yeqembu ngokuhlanganyela, ezivunywa yiqembu | Izidingo zamalungu emaqenjini okonga |
Abasebenzisi abaningi baqala nge-overdraft noma isikweletu esincane, ngoba amanani mancane, umjikelezo umfushane futhi ukuziphatha ekukhokheni kubonakala ngokushesha.
Ngubani ngempela oboleka imali
Ezimakethe eziningi, umhlinzeki wemali yeselula akakwazi ukuboleka imali ye-elekthronikhi yamakhasimende akhe; leyo mali igcinwa ngokwethembeka. Isikweletu ngokuvamile sinikezwa:
- Ibhange elingumlingani elixhasa iphothifoliyo yezikweletu futhi lithwale ubungozi besikweletu, i-wallet iyisiteshi sokufinyelela amakhasimende.
- Umhlinzeki wezikweletu zedijithali onelayisensi noma isikhungo sezimali ezincane esisebenzisana ne-wallet.
- Umsebenzisi we-wallet uqobo, uma enelayisensi efanele yokuboleka futhi esebenzisa imali yakhe.
Abalawuli emazweni amaningana ase-Afrika bethule eminyakeni yamuva imithetho ethile yababoleki bedijithali, ehlanganisa amalayisensi, ukuvela kwezintengo, ukusetshenziswa kwedatha nemikhuba yokuqoqa izikweletu. Yazi imithetho yemakethe yakho ngaphambi kokwethula.
Isinqumo sesikweletu senziwa kanjani
1. Ukufaneleka
Imithetho eyisisekelo inquma ukuthi ngubani ongahlolwa: ubudala be-akhawunti, izinga le-KYC, umsebenzi wakamuva, ukungabi nezikweletu ezisilele, ukungabi ohlwini olumnyama.
2. Ukulinganisa isikweletu
Ikhadi lamaphuzu noma imodeli ilinganisa amathuba okukhokha kusuka kudatha ye-wallet. Izimpawu eziwusizo zifaka:
- ukuzinza nobukhulu bemali engenayo (amaphethini afana neholo, imali engenayo yabahwebi);
- amabhalansi amaphakathi naphansi kakhulu ngokuhamba kwesikhathi;
- izikweletu zezinsizakalo ezikhokhwe ngesikhathi;
- amaphethini okuthenga i-airtime;
- ukuziphatha ekonga;
- umlando wezikweletu zangaphambili nokukhokha ngesikhathi;
- isikhathi nokuzinza kwenombolo yocingo nedivayisi.
Qala kalula. Ikhadi lamaphuzu elicacile elakhiwe ezimpawini ezimbalwa ezinamandla, futhi laqinisekiswa ngemiphumela yangempela yokukhokha, kaningi lidlula imodeli eyinkimbinkimbi eqeqeshwe ngedatha encane kakhulu, futhi kulula kakhulu ukulichazela umlawuli.
3. Ukusetha umkhawulo
Amaphuzu aguqulwa abe ngumkhawulo wesikweletu. Umkhuba omuhle wukuqalisa ababoleki abasha ngemikhawulo emincane bese uyikhuphula kancane kancane njengoba bekhokha ngesikhathi. Imikhawulo kufanele futhi icabangele amandla okukhokha: ukuthi ikhasimende lingakhokha malini emalini yalo engenayo evamile ngaphandle kobunzima.
4. Intengo
Izimali nenzalo kumele kumboze izindleko zemali, ukulahlekelwa okulindelekile, imisebenzi nenzuzo, futhi kumele kudalulwe ngokucacile. Abalawuli abaningana manje bafuna ukudalulwa okucacile kwezindleko eziphelele zesikweletu ngaphambi kokuthi ikhasimende livume.
I-ledger engemuva kwesikweletu
Isikweletu akuyona ibhalansi ye-wallet engaphansi kweqanda. Kuyi-akhawunti ehlukile enomjikelezo wayo wokuphila, futhi i-ledger kumele iyimele kahle ukuze umnyango wezimali, umboleki nomlawuli bakwazi ukwethemba izinombolo:
- Ukukhipha isikweletu: i-akhawunti yemali yomboleki iyadonswa, i-wallet yekhasimende iyakhuliswa, futhi kuvulwa i-akhawunti yesikweletu esikweletwayo yekhasimende.
- Izimali nenzalo ziqongelela ku-akhawunti yesikweletu ngokwemithetho yomkhiqizo.
- Ukukhokha: i-wallet yekhasimende iyadonswa (ngesandla noma ngokuzenzakalelayo emalini engenayo) futhi i-akhawunti yesikweletu iyancipha.
- Izikweletu ezisilele: amanani asephelelwe yisikhathi angena emaqenjini obudala aqala izikhumbuzo, izinhlawulo (lapho zivunyelwe) nezinhlinzeko zokulahlekelwa.
- Ukusula nokubuyisa: izikweletu ezingaqoqeki ziyasulwa kanye nomkhondo wokucwaningwa; imali ebuyiswa kamuva irekhodwa ngokwehlukana.
Isinyathelo ngasinye sirekhoda okufakwayo okulinganayo ku-ledger yokufaka kabili, ukuze iphothifoliyo yezikweletu ihlale ivumelana nemali yomboleki namabhalansi amakhasimende.
Ukukhokha ngokuzenzakalelayo: kunamandla futhi kubucayi
Ukuqoqa izinkokhelo ngokuzenzakalelayo emalini engenayo kuyisici esenza ukuboleka nge-wallet kube nokwenzeka. Kumele kwakhiwe ngokucophelela:
- tshela ikhasimende ngokucacile, ngaphambi kokuthi liboleke, ukuthi izinkokhelo zizodonswa emalini engenayo;
- donsa okukweletwayo kuphela, hhayi konke okungenayo;
- cabanga ngokushiya ibhalansi encane yokusetshenziswa okubalulekile;
- thumela irisidi ngakho konke ukudonswa;
- ungalokothi udonse emalini evikelwe ngumthetho noma ebekelwe enye injongo.
Ukuboleka ngokuziphendulela: kubukeka kanjani
Isikweletu sedijithali sibe nezinkinga ezibhalwe kahle: ababoleki abathatha izikweletu eziningi kuma-app ahlukene ukuze bakhokhe esinye ngesinye, izindlela zokuqoqa ezinonya, nezintengo ezingacacile. Abalawuli baye bathatha izinyathelo, futhi amakhasimende akhumbula imikhiqizo eyabaphatha ngobulungiswa. Umkhuba wokuziphendulela ufaka:
- Ukudalula okugcwele kwezindleko eziphelele, izinsuku zokukhokha nemiphumela yokubambezeleka, ngaphambi kokuvuma.
- Ukuhlola amandla okukhokha, hhayi amaphuzu amathuba okuhluleka kuphela.
- Imikhawulo ekhuphuka kancane kancane ekhula ngokuziphatha okuhle.
- Izinketho zokuhoxa zababoleki abasha.
- Ukuqoqa ngenhlonipho: izikhumbuzo nezinketho zokuhlela kabusha, ungalokothi uhlaze umuntu obala noma uxhumane nabantu abasocingweni lomboleki.
- Ukubika okunembile ezikhungweni zemininingwane yezikweletu, kufaka nomlando omuhle, ukuze ababoleki abahle bazuze.
- Ukuvikelwa kwedatha: ukusebenzisa kuphela idatha amakhasimende ayivumile, ngezinjongo abaziqondayo.
Ukuboleka abahwebi nama-agent
Abahwebi nama-agent bangababoleki abahle kakhulu kumsebenzisi we-wallet, ngoba ukuthengisa kwabo nokunyakaza kwe-float yabo kuyabonakala kupulatifomu futhi izinkokhelo zingathathwa emalini engena nsuku zonke. Imikhiqizo evamile:
- Ukuxhaswa kwesitoko okukhokhwa njengephesenti lokuthengisa kwansuku zonke.
- Isikweletu se-float sama-agent, kaningi phakathi nosuku olulodwa, esikhokhwa ngokuzenzakalelayo. Bona i-float nemali esandleni yama-agent.
- Ukuxhaswa kwabahlinzeki, lapho ipulatifomu ikhokhela umhlinzeki futhi umhwebi akhokhe ngokuhamba kwesikhathi.
Ukonga nesikweletu ndawonye
Amaphothifoliyo ezikweletu ze-wallet anempilo enhle kakhulu ahambisana nokonga. Amakhasimende onga njalo aboleka kancane futhi akhokha ngokwethembeka okwengeziwe, futhi umlando wokonga ungesinye sezimpawu ezinhle ezinamandla kakhulu emaphuzwini. Ukonga kweqembu (i-chama) kwengeza ukuziphendulela emphakathini; bona ama-chama edijithali. Ukukhuthaza ukonga okuncane okuzenzakalelayo enkokhelweni ngayinye yesikweletu kuyindlela elula yokwakha ukuqina.
Ukwakha ikhadi lakho lokuqala lamaphuzu, isinyathelo ngesinyathelo
Awudingi ithimba lesayensi yedatha ukuze uqale ukuboleka ngokuziphendulela. Indlela esebenzayo esetshenziswa ababoleki abaningi abasha be-wallet:
- Chaza umphumela. Isibonelo, "ukhokhe ngokuphelele phakathi kwezinsuku ezi-7 ngemuva kosuku lokukhokha." Konke okunye kulinganiswa ngalokhu.
- Khetha izimpawu ezimbalwa zokuhlola ongazibala ngokwethembeka ku-ledger: izinyanga zomsebenzi, inani lemithombo ehlukene yemali engenayo ezinsukwini ezingama-90 ezedlule, imali engenayo emaphakathi ngenyanga, izinsuku ibhalansi ibihle, izikweletu zezinsizakalo ezikhokhwe ngesikhathi, ukuthi kuthengwa kangaki i-airtime, ibhalansi yokonga.
- Qala ngemithetho yochwepheshe. Ngaphambi kokuba ube nedatha yokukhokha, setha imithetho yokufaneleka eqaphile nemikhawulo yokuqala emincane kakhulu. Iqembu lokuqala yilo elikufundisayo.
- Qoqa imiphumela. Ngemuva kwezikweletu eziyizinkulungwane ezimbalwa, uyazi ukuthi ngubani okhokhile. Qhathanisa amazinga okukhokha emaqenjini esibonakaliso ngasinye; gcina izimpawu ezihlukanisa ababoleki abahle nababi.
- Yakha amakhadi amaphuzu kusuka ezimpawini ezinamandla kakhulu, ukuze amaphuzu ekhasimende ngalinye achazeke: "amaphuzu ngesikhathi, amaphuzu ngemali engena njalo, amaphuzu ngokukhokha kwangaphambili."
- Xhuma amaphuzu nemikhawulo nesilingo samandla okukhokha esisuselwa emalini engenayo evamile.
- Qapha nyanga zonke futhi ulungise kabusha njengoba ukuziphatha kuguquka. Qaphela ushintsho: isibonakaliso esasebenza nyakenye singase singasebenzi ngemuva koshintsho lwentengo noma imbangi entsha.
Ukukwazi ukuchaza akuwona nje umkhuba omuhle; abalawuli namakhasimende balindele kakhulu ukuthi ababoleki bachaze ukuthi kungani umkhawulo wasethwa noma isikweletu senqatshwa.
Isibonelo sentengo yesikweletu esenziwe
Izibalo ezingezansi ezokuchaza kuphela, ukukhombisa ukuthi izingxenye zihlangana kanjani esikweletwini esingu-1,000 sezinsuku ezingama-30:
| Ingxenye | Izindleko nge-1,000 ngayinye ebolekiwe | Amanothi |
|---|---|---|
| Izindleko zemali | 15 | Kuncike ezingeni lokuxhaswa komboleki |
| Ukulahlekelwa kwesikweletu okulindelekile | 30 | Amathuba okuhluleka × ukulahlekelwa uma kuhlulekile |
| Imisebenzi nobuchwepheshe | 10 | Amaphuzu, ukukhipha isikweletu, ukuqoqa, ukwesekwa |
| Isabelo sesiteshi nabalingani | 10 | Isabelo somsebenzisi we-wallet noma umlingani wesiteshi |
| Inzuzo | 10 | Imbuyiselo yemali etshaliwe |
| Imali ephelele | 75 | 7.5% ezinsukwini ezingama-30 |
Kulandela izifundo ezimbili. Okokuqala, ukulahlekelwa okulindelekile ngokuvamile yizindleko ezinkulu kakhulu ezingalawulwa: amaphuzu nokuqoqa okungcono kwehlisa izintengo kuwo wonke umuntu. Okwesibili, izimali zesikhashana zibukeka zincane esikweletwini ngasinye kodwa ziphezulu uma zibalwa ngonyaka, yingakho ukudalulwa okucacile kwezindleko eziphelele zesikweletu kubalulekile futhi yingakho abalawuli bekuqapha eduze.
Uhambo lokuqoqa
Ukuqoqa okuhle kunenhlonipho, kuyabikezeleka futhi kuqala ngokushesha. Uhambo oluvamile:
| Nini | Isenzo |
|---|---|
| Izinsuku ezi-3 ngaphambi kosuku lokukhokha | Isikhumbuzo esinobungane esinenani nosuku |
| Usuku lokukhokha | Ukudonswa okuzenzakalelayo uma imali ikhona; isikhumbuzo uma ingekho |
| Ukubambezeleka kwezinsuku ezi-1 kuya kwezi-7 | Izikhumbuzo; isipho sokukhokha ingxenye |
| Ukubambezeleka kwezinsuku ezi-8 kuya kwezi-30 | Ucingo noma umlayezo ovela kumnyango wokuqoqa; izinketho zokuhlela kabusha ngobunzima bangempela; ukumiswa kokufinyelela isikweletu esisha |
| Ukubambezeleka kwezinsuku ezingama-31 kuya kwezingama-90 | Isaziso esisemthethweni; ukubika esikhungweni semininingwane yezikweletu lapho kuvunyelwe ngumthetho futhi kudalulwe |
| Ngaphezu kwezinsuku ezingama-90 | Beka isinhlinzeko esigcwele; cabanga ngokusula; qhubeka nokubuyisa ngokuthula emalini engenayo yesikhathi esizayo lapho kuvunyelwe |
Amaqembu ephothifoliyo esengozini (PAR), njengezinsuku ezi-1–30, 31–60, 61–90 nangaphezu kwama-90, aguqula lolu hambo lube ngulwazi lokuphatha: ukuthi ingakanani iphothifoliyo esigabeni ngasinye, nokuthi ingabe ihamba ngendlela efanele.
Izilinganiso zokuphatha iphothifoliyo yezikweletu ze-wallet
| Isilinganiso | Kungani kubalulekile |
|---|---|
| Izinga lokuvuma ngesigaba | Ukufinyelela nobulungiswa bemodeli |
| Ukuhluleka enkokhelweni yokuqala | Isixwayiso sokuqala sokukhwabanisa noma amaphuzu abuthaka |
| Iphothifoliyo esengozini (isibonelo ngaphezu kwezinsuku ezingama-30) | Ikhwalithi yesikweletu iyonke |
| Izinga lokulahlekelwa ngemuva kokubuyisa | Ingabe intengo imboza ubungozi |
| Ukuboleka futhi nokukhula kwemikhawulo | Ukuthuthuka kwamakhasimende |
| Izikhalazo eziphathelene nesikweletu | Ukuziphatha nemiphumela kumakhasimende |
Ukubika ezikhungweni zemininingwane yezikweletu
Ezimakethe ezinezikhungo zemininingwane yezikweletu, ababoleki kaningi bayaphoqelelwa noma bakhuthazwe ukubika ukusebenza kwezikweletu. Ukubika kunezinhlangothi ezimbili. Ukubika okubi kuvimbela ukuhluleka kodwa kungavalela ababoleki ngaphandle kwesikweletu ngenxa yamanani amancane kakhulu, futhi abanye abalawuli babeke imikhawulo nemithetho ngokufakwa ohlwini kwezikweletu ezincane zedijithali. Ukubika okuhle, okungukuthi ukwabelana ngokukhokha ngesikhathi, kusiza ababoleki abahle bakhe irekhodi elibavulela izikweletu ezinkulu kwenye indawo. Noma yini oyenzayo, yidalule ngokucacile ngesikhathi sokuboleka, futhi uqinisekise ukuthi idatha yakho inembile: ukufakwa ohlwini ngephutha kuwukulimala okukhulu nokwephula imithetho.
Ukukhwabanisa ekubolekeni nge-wallet
Isikweletu sidonsa amaphethini aso okukhwabanisa:
- Ukukhwabanisa komboleki uqobo: ababoleki abakha umlando ohlanzekile ukuze bafinyelele umkhawulo ophezulu, bese benqaba ukukhokha ngamabomu. Kulwise ngokukhuphula imikhawulo kancane kancane nokuqapha izinguquko ezingazelelwe zokuziphatha.
- Ubunikazi obubolekiwe: ama-akhawunti avulwa ngamadokhumenti obunikazi abanye abantu ukuze kuthathwe izikweletu. Kulwise ngezilawuli ze-KYC, ukuxhuma idivayisi nobunikazi, nemikhawulo yama-akhawunti amasha.
- Ukunqwabelanisa izikweletu: ukuboleka kubaboleki abaningi ngesikhathi esisodwa. Kulwise ngokuhlola izikhungo zemininingwane yezikweletu lapho zikhona nangemithetho yamandla okukhokha.
- Ukukhohlisa amabhalansi: ukujikelezisa imali phakathi kwama-akhawunti ukuze kwandiswe imali engenayo ngaphambi kokufaka isicelo. Kulwise ngokulinganisa imithombo ezimele yemali engenayo, hhayi inani nje.
Amaphutha avamile ekubolekeni nge-wallet
- Ukukhuphula imikhawulo ngokushesha okukhulu. Ukulahlekelwa okuvela kubaboleki abambalwa abakhulu abahlulekile kungasula inzuzo yezinkulungwane zezikweletu ezincane.
- Ukubeka izintengo ngaphandle kokucaca. Izimali ezibukeka zincane esikweletwini ngasinye zingabiza kakhulu uma zibalwa ngonyaka. Khombisa izindleko eziphelele ngokucacile.
- Ukuqoqa okunonya. Ukuhlukumeza nokuhlaza abantu obala kuye kwaletha izinyathelo zabalawuli kubaboleki bedijithali ezimakethe eziningana.
- Amamodeli angakaze abuyekezwe. Ukuziphatha kwamakhasimende kuyashintsha; imithetho yamaphuzu idinga ukuqashwa nokulungiswa.
Amagama abalulekile ekubolekeni nge-wallet
| Igama | Incazelo |
|---|---|
| Umkhawulo | Inani eliphezulu ikhasimende elingaliboleka ngesikhathi esisodwa, elinqunywa yimodeli yamaphuzu nenqubomgomo. |
| Imali yokwenza lula | Imali ekhokhwa kanye esikweletwini, evamile ezikweletwini zesikhashana ze-wallet esikhundleni senzalo noma kanye nayo. |
| Izindleko eziphelele zesikweletu | Konke umboleki akukhokhayo ngaphezu kwemali eyisisekelo, kuvezwe njengenani futhi kungcono njengezinga lonyaka. |
| Izinsuku zokubambezeleka (DPD) | Inani lezinsuku inkokhelo ibambezelekile; ababoleki balandelela amaqembu afana nezinsuku ezi-1–30, 31–60 kanye no-61–90. |
| Isikweletu esingasebenzi | Isikweletu esibambezeleke kakhulu, ngokuvamile izinsuku ezingama-90 noma ngaphezulu, esithathwa njengesonakele. |
| Izinga lokudlulela | Ingxenye yezikweletu edlulela isuka eqenjini elilodwa lokusilela iya kwelilandelayo, uphawu lokuqala lwengcindezi ephothifoliyo. |
| Ukuhlaziywa kwamaqembu okukhishwa | Ukulandelela ukukhokhwa kwezikweletu ezihlelwe ngenyanga ezakhishwa ngayo, ukuze amaqembu aqhathaniswe ngobulungiswa. |
| Ukudonswa okuzenzakalelayo | Ukubuyisa inani elikweletwayo ngqo ku-wallet yomboleki uma imali ingena, lapho imibandela ivumela khona. |
| Ukuhlola amandla okukhokha | Ukuhlola ukuthi umboleki angakhokha ngaphandle kobunzima, ngokusekelwe emalini engenayo nezibophezelo ezikhona. |
| Isikhungo semininingwane yezikweletu | Inhlangano enelayisensi eqoqa futhi yabelane ngomlando wokukhokha wababoleki phakathi kwababoleki. |
Imibuzo evame ukubuzwa
Ingabe umsebenzisi wemali yeselula angaboleka amabhalansi ama-wallet amakhasimende?
Cha. Imali ye-elekthronikhi yamakhasimende igcinwa ngokwethembeka. Izikweletu zixhaswa yibhange, umboleki onelayisensi noma imali yomsebenzisi uqobo ngaphansi kwelayisensi efanele.
Umkhawulo wesikweletu unqunywa kanjani ngaphandle komlando wesikweletu?
Kusuka kudatha yokuthengiselana ye-wallet: ukuzinza kweholo, amabhalansi, izinkokhelo zezikweletu zezinsizakalo, ukonga nezikweletu zangaphambili, kuhlanganiswe nemithetho yamandla okukhokha.
Iyini i-overdraft ye-wallet?
Isevisi evumela inkokhelo ukuthi idlule noma ibhalansi inganele, ukusilela kukhokhwa ngokuzenzakalelayo emalini elandelayo engenayo.
Ingabe isikweletu sedijithali siyalawulwa?
Yebo, futhi kuyanda. Abalawuli abaningana base-Afrika manje banikeza ababoleki bedijithali amalayisensi futhi babeka imithetho ngokudalula, ukusetshenziswa kwedatha nokuqoqa.
PesaBridge ikuvumela ukuthi wethule izikweletu ezincane ezisheshayo, izikweletu zezitolimende ne-overdraft ye-BridgeBoost ku-wallet efanayo, imali ingena ngqo ku-wallet yekhasimende, amashejuli okukhokha aqeda isitolimende esidala kakhulu kuqala, ukubambezeleka kumakwa nsuku zonke futhi iphothifoliyo esengozini ihlukaniswe ngamaqembu, konke ku-ledger efanayo yokufaka kabili njengakho konke okunye ukunyakaza. Bona izikweletu ne-overdraft noma khuluma nethimba lethu.